Best Cheap Auto Insurance in Freedom, NY (2021)

The average Freedom, NY auto insurance rates are $258 per month. The minimum auto insurance in Freedom is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Freedom, New York, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Freedom for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Freedom is GEICO
  • The average commute length in Freedom is 31.6 minutes

Freedom, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Freedom can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Freedom, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Freedom to other New York cities, including Yonkers auto insurance rates, Schenectady auto insurance rates, and Syracuse auto insurance rates to see how Freedom, New York auto insurance rates stack up.

Before you buy Freedom, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Freedom, New York auto insurance quotes.

Minimum Auto Insurance in Freedom, New York

Freedom, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Freedom, New York.

Minimum Required Auto Insurance Coverage in Freedom, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Freedom, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Freedom, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Freedom, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,390 $2,251 $2,214 $2,237 $6,516 $6,961 $2,398 $2,416
GEICO $1,423 $1,368 $1,378 $1,358 $2,871 $4,101 $1,290 $1,315
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $1,949 $1,949 $1,843 $1,843 $3,332 $4,941 $1,949 $2,460
Progressive $1,701 $1,627 $1,407 $1,413 $5,408 $6,058 $2,180 $2,134
State Farm $2,273 $2,273 $1,972 $1,972 $6,494 $8,405 $2,486 $2,629
Travelers $2,510 $2,539 $2,273 $2,444 $5,680 $6,729 $2,661 $2,778
USAA $1,598 $1,573 $1,437 $1,445 $6,303 $7,547 $2,047 $2,264

Cheap Freedom, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Freedom, New York is a challenge. Take a look at the annual teen auto insurance rates in Freedom, New York.

Annual Auto Insurance Rates for Teen Drivers in Freedom, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,516 $6,961
GEICO $2,871 $4,101
Liberty Mutual $5,784 $9,380
Nationwide $3,332 $4,941
Progressive $5,408 $6,058
State Farm $6,494 $8,405
Travelers $5,680 $6,729
USAA $6,303 $7,547

Cheap Freedom, New York Auto Insurance for Seniors

What are senior auto insurance rates in Freedom, New York? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Freedom, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,237
GEICO $1,378 $1,358
Liberty Mutual $2,805 $2,805
Nationwide $1,843 $1,843
Progressive $1,407 $1,413
State Farm $1,972 $1,972
Travelers $2,273 $2,444
USAA $1,437 $1,445

Cheap Freedom, New York Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Freedom, New York compared to the annual auto insurance rates with a clean record in Freedom, New York.

Annual Freedom, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,949 $2,949 $4,158 $3,635
GEICO $1,515 $1,648 $2,874 $1,515
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $1,946 $1,946 $4,251 $1,990
Progressive $2,673 $2,673 $2,931 $2,687
State Farm $3,402 $3,402 $3,723 $3,723
Travelers $2,972 $3,675 $3,727 $3,433
USAA $2,697 $2,740 $3,931 $2,740

Cheap Freedom, New York Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Freedom, New York is not easy. Compare the annual rates for DUI auto insurance in Freedom, New York to find the best deal.

Annual Auto Insurance Rates After a DUI in Freedom, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,158
GEICO $2,874
Liberty Mutual $6,496
Nationwide $4,251
Progressive $2,931
State Farm $3,723
Travelers $3,727
USAA $3,931

Cheap Freedom, New York Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Freedom, New York annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Freedom, New York

Insurance Company Poor Fair Good
Allstate $4,876 $2,883 $2,509
GEICO $2,364 $1,739 $1,560
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,533 $2,533 $2,533
Progressive $4,311 $2,255 $1,657
State Farm $5,031 $3,154 $2,503
Travelers $4,747 $2,998 $2,610
USAA $4,707 $2,323 $2,051

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Cheap Freedom, New York Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Freedom, New York can vary. Compare the annual cost of auto insurance by ZIP code in Freedom, New York to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Freedom, New York

ZIP Code Average Annual Rates
14065 $3,115

Cheap Freedom, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect Freedom, New York auto insurance. Find the cheapest annual Freedom, New York auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Freedom, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,377 $3,468
GEICO $1,833 $1,942
Liberty Mutual $4,012 $4,243
Nationwide $2,533 $2,533
Progressive $2,741 $2,741
State Farm $3,437 $3,689
Travelers $3,452 $3,452
USAA $2,997 $3,057

Cheap Freedom, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Freedom, New York? Check out the comparison of annual Freedom, New York auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Freedom, New York

Insurance Company Low Medium High
Allstate $3,265 $3,413 $3,589
GEICO $1,802 $1,880 $1,982
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,402 $2,514 $2,685
Progressive $2,621 $2,731 $2,871
State Farm $3,401 $3,581 $3,707
Travelers $3,285 $3,419 $3,652
USAA $2,952 $3,015 $3,115

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Best By Category: Cheapest Auto Insurance in Freedom, New York

Compare the cheapest auto insurance companies in Freedom, New York in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Freedom, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

The Cheapest Freedom, New York Auto Insurance Companies

What auto insurance companies in Freedom, New York are the cheapest? Compare the top Freedom, New York auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Freedom, New York

Insurance Company Average Annual Rates
Allstate $3,423
GEICO $1,888
Liberty Mutual $4,128
Nationwide $2,533
Progressive $2,741
State Farm $3,563
Travelers $3,452
USAA $3,027

What affects auto insurance rates in Freedom, New York?

There are a lot of reasons why auto insurance rates in Freedom, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Freedom, New York. Many local factors may affect your Freedom auto insurance rates.

Freedom Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Freedom, New York commute length is 31.6 minutes according to City-Data.

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Compare Freedom, New York Auto Insurance Quotes

Before you buy Freedom, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Freedom, New York auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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